Advertiser Disclosure

To find the best cheap motorcycle insurance in Michigan, you’ll need to compare rates from several providers. We’ve done our research to bring you the top-rated insurers in the state based on cost, coverage, and customer service.

In our review of the best motorcycle insurance companies, we looked at national average rates and customer service reviews. However, pricing and customer experience vary from state to state, even with the same provider. To find affordable motorcycle insurance in Michigan for your rider profile, it is best to compare several quotes. You can start exploring your options by using the tool below.


In this article:

5 Best Motorcycle Insurance Companies In Michigan

Riders in every state should look for similar qualities in an insurer: low cost, reliable claims, and the right coverage. However, these factors can vary widely from state to state, even among the same insurance companies. They also differ by rider, and not every motorcyclist will need the same level of coverage.

It’s important to do individual research to learn the best provider for you. The table below highlights several of the top providers in the state of Michigan, rated according to our research. These companies are a great place to start when shopping for the best cheap motorcycle insurance in Michigan.

Best Cheap Motorcycle Insurance:
RideApart Rating Customer Service Affordability Coverage
1. Dairyland Motorcycle Insurance 4.0 3.5 4.0 4.0
2. Geico Motorcycle Insurance 4.5 4.0 5.0 4.5
3. Markel Motorcycle Insurance 3.5 3.5 4.0 3.0
4. Progressive Motorcycle Insurance 4.5 3.5 4.5 4.5
5. Farmers Motorcycle Insurance 4.0 3.5 3.5 4.0

*You may notice that some motorcycle insurance companies are ranked above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for motorcycle insurance in Michigan.


#1 Dairyland: Cheapest Motorcycle Insurance In Michigan

In our cost research, Dairyland offered the lowest quote for full coverage motorcycle insurance in Michigan (liability insurance, comprehensive coverage, and collision coverage). While Dairyland specializes in low-cost coverage for high-risk riders, it is also a solid choice for experienced riders with a clean record.

Dairyland does not score as well as some of the other insurers on our list when it comes to customer service, but the company has a fairly positive customer reputation. The insurer received an A+ rating from the Better Business Bureau (BBB), though it is not accredited.

Learn more by reading our complete Dairyland motorcycle insurance review.

#2 Geico: Best Customer Service In Michigan

In our online quote research, Geico ranked in the middle of the pack for cost. However, your own rates may vary. Geico is known nationwide for offering consistently low rates for a variety of motorcycle types and riders, so we recommend considering a policy with the insurer.

In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for the North Central Region (which includes Illinois, Indiana, Michigan, Ohio, and Wisconsin), Geico placed first with a score of 851 out of a possible 1,000 points. Geico also boasts an A+ rating from the BBB and an A++ financial strength score from AM Best.

Geico offers extensive coverage options, including add-ons such as roadside assistance and coverage for helmets and custom parts and equipment. If you’ve invested a lot into your bike, Geico may be the right choice for you. Learn more by reading our full Geico motorcycle insurance review.

#3 Markel: Cheap Minimum Coverage Options In Michigan

Markel didn’t make our list of the best motorcycle insurance companies nationwide due to its limited state availability, but it did score well in our Markel motorcycle insurance review. It is a great option for riders in states where you can purchase a motorcycle insurance policy with the insurer, such as Michigan.

In our cost research, Markel offered the lowest rates for minimum coverage motorcycle insurance in Michigan. However, Markel’s quotes for policies that included comprehensive and collision coverage were some of the highest we received. If you’re searching for a full coverage motorcycle insurance policy, other insurers might be better options for your needs.

Markel has an A+ rating from the BBB and specializes in providing motorcycle insurance coverage to only a handful of states, making it a good choice for Michigan riders. However, Markel does not cover all makes and models of motorcycles, so be sure to verify whether your bike qualifies.

For more information about the insurer, check out our Markel motorcycle insurance review.

#4 Progressive: Great Benefits For New And Experienced Riders

Progressive is a solid choice for motorcycle insurance in any state. The national insurer has an A+ rating from the BBB and an A+ financial strength score from AM Best. It’s a reputable insurance company, and customers can be confident in their coverage due to Progressive’s well-funded claims department.

While the quotes we received were not the cheapest of our top-rated insurers, Progressive motorcycle insurance is relatively inexpensive and offers rates that are on par with those of some of the lowest-cost providers. Progressive also offers helpful benefits to both new and experienced motorcyclists. Newer riders may find the insurer’s accident forgiveness program appealing, while more experienced motorists may benefit from the disappearing deductible, which reduces your deductible by 25 percent for every claim-free period (to as low as $0).

To learn more, read our full Progressive motorcycle insurance review.

#5 Farmers: Best Personalized Coverage In Michigan

Farmers motorcycle insurance is sold through independent agents, which can contribute to varying statewide costs and overall higher premium prices than providers like Geico might offer. However, Farmers’ national rates are competitive, and an independent agent means more personalized coverage and claims.

In the J.D. Power Auto Insurance Satisfaction Study for the North Central Region, Farmers scored 831 out of 1,000 points—just above the regional average. Farmers Insurance Group also has an A- rating from the BBB.

Farmers provides riders with a wide array of options for customizable coverage, and we recommend getting a quote from the insurer. Learn more by reading our full Farmers motorcycle insurance review.

Michigan Motorcycle Insurance Requirements

Michigan is a no-fault insurance state. This typically means that you need to purchase personal injury protection because your own insurer is responsible for covering bills after a crash, regardless of fault. However, Michigan’s no-fault insurance laws do not apply to motorcycle insurance.

Motorcycle riders in Michigan are only required to purchase liability coverage at the following limits:

  • $50,000 per person bodily injury liability
  • $100,000 per incident bodily injury liability
  • $10,000 per incident property damage liability

If you are over 21, you can choose to ride a motorcycle without a helmet in Michigan. However, to do so you must also purchase medical benefits coverage with a minimum limit of $20,000 per incident.

While only the motorcycle insurance policies above are required, it is recommended that you also purchase comprehensive and collision coverage, which pay for the replacement cost or repairs for your own bike after a crash or because of vandalism. If you are worried about medical expenses after crashing a bike in an at-fault incident, you should also consider personal injury protection or medical payments coverage. Your health insurance may cover these bills, but you should check with your provider to be sure.

Cost Of Michigan Insurance

The average cost for motorcycle insurance is higher in Michigan than in most other states. However, your own rates will depend on a number of factors, including:

  • City
  • Type of bike
  • Age
  • Gender
  • Riding experience
  • Driving record

While your motorcycle insurance rates will vary, we reached out for quotes from several of the top insurers in the state to help you know what to expect when it comes to Michigan motorcycle insurance costs. 

The tables below include quotes for a 30-year-old single male with five years of riding experience and no recent crashes. The bike covered is a 2020 Honda GL1800 Gold Wing, a touring bike with a 1833cc engine.

Minimum Coverage (Liability Only)
Provider Monthly Cost Down Payment Annual Cost
Markel - - $250.00
Dairyland $23.48 $21.47 $279.75
Progressive $22.02 $40.80 $283.00
Harley-Davidson $32.12 $30.11 $383.43
Geico $40.46 $40.45 $485.52
Allstate $40.00 $55.00 $495.00
Full Coverage*
Provider Monthly Cost Down Payment Annual Cost
Dairyland $117.05 $115.00 $1,402.55
Harley-Davidson $155.68 $153.62 $1,866.10
Progressive $175.41 $338.55 $2,268.00
Allstate $220.00 $325.00 $2,745.00
Geico $303.87 $303.75 $3,646.32
Markel - - $4,448.00

*Full coverage in this case includes liability coverage, comprehensive coverage ($500 deductible), collision coverage ($500 deductible), and $20,000 in medical benefits (required to ride a bike without a helmet in Michigan).


You can save money by taking advantage of common motorcycle insurance discounts such as:

  • Homeowners discount
  • Discounts for anti-lock brakes and anti-theft features
  • Bundling discount
  • Multi-policy discount
  • Discount for completing a motorcycle safety course

What To Know About Riding In Michigan

A motorcycle endorsement on your license is required to operate a motorcycle in Michigan. To obtain this endorsement, riders must either complete a Michigan motorcycle rider training course or pass a rider skills test. Before taking the rider skills test, you must first complete the following before you’ll be allowed to register for the test:

  • Pass a vision test
  • Pass a knowledge test
  • Obtain a learner’s permit and practice for 180 days

Riders under the age of 21 are required to wear a motorcycle helmet. Those over 21 can choose not to wear a helmet, but must carry an insurance policy that covers $20,000 in medical benefits and an additional $20,000 for each unhelmeted rider. Wearing a helmet dramatically increases your safety and is always recommended.

According to a report issued by the Governors Highway Safety Association, there were 142 motorcycle deaths in Michigan in 2017. This was not the highest fatality rate of any state, but it is above the national average.

Final Thoughts

The best cheap motorcycle insurance in Michigan is different for every rider, but it can be found with regional providers like Markel as well as with some national insurers like Progressive. Geico also offers low rates and boasts one of the best customer reputations in the state.

While Michigan only requires liability coverage, it’s typically a good idea to purchase personal injury protection (PIP) or medical payments (MedPay) coverage for extra peace of mind on the road. To learn how much coverage could cost you, reach out for personalized quotes using the tool below.


FAQ: Motorcycle Insurance In Michigan

Who has the cheapest motorcycle insurance in Michigan?

For minimum coverage motorcycle insurance, Markel is one of the cheapest options in the state of Michigan. However, rates are different for every rider, so what is cheapest for one person may not be the cheapest option for you. Other low-cost insurers in the state include Dairyland, Geico, and Progressive.

Who offers the best motorcycle insurance?

We think that Dairyland is the best option for motorcycle insurance in Michigan. The company offers low rates and receives high marks for customer satisfaction in the area. Dairyland also offers excellent discounts for low-risk riders. Other insurers to consider in Michigan are Geico, Markel, Progressive, and Farmers.

How much is Geico motorcycle insurance per month?

The cost of Geico motorcycle insurance can be as low as $40 a month in Michigan. However, rates vary from individual to individual, so the only way to find out how much a Geico policy would cost you is to reach out for your own individual quote.

Is bike insurance cheaper than car insurance?

Motorcycle insurance is typically cheaper than car insurance, but it depends on the coverage that you choose and the value of your motorcycle.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of motorcycle insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings, nationwide availability, and customer-first business practices receive the highest scores in this category.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost: Our research team reviews motorcycle insurance quotes for a variety of drivers in every state. Companies with lower prices and many motorcycle insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts.